:MBS & Dr. Andy Schell, Ph.D., CPA, support the following

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Depository Mortgage Lending focused on origination for sale presents many unique challenges and opportunities that Dr. Schell will address.

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• Mortgage lending strategy

  • Is a division or subsidiary best

  • Is MSR held or released best

  • How to forecast mortgage activity 

  • What is a reasonable ROI & ROA​

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• Mortgage performance measurement and operational design

  • How to define performance targets

  • How to measure performance

  • How does hedging and agency delivery work

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• Mortgage performance delivery to board of directors

  • When is mortgage good for an FDIC bank

  • How is performance defined    

  • The role of the MLO

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• Mortgage regulatory framework and compliance management

  • HMDA/LAR, ECOA, RESPA, TILA, TRID,  etc

  • ECOA errors can result in a $10K fine for each occurrence 

  • Technology design to meet regulatory requirements

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• Mortgage Technology

  • LOS installation, configuration and ongoing management of Encompass (Theresa is an Encompass expert)

  • LoanVision installation, operation and integration with CORE

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• Dr. Andy Schell, PhD, CPA bio

  • 4 decades of experience in depository mortgage lending

  • Ran mortgage activities for Bank of America in 1990s

  • President of IMB in early 2000s

  • Advisor to FDIC mortgage lenders since 2007

  • Published hundreds of articles at DoctorSchell.com